In reality, all kinds of insurance are just a big scam, or at least that's one way to look at it. Insurance can also be seen as a kind of morbid gambling (especially life insurance). You pay a monthly premium to stay insured. If you get sick, die, or get into an auto accident, your insurance premiums will pay off, saving you from a lot of debt and possibly bankruptcy.
Having said that, it goes without saying that insurance is just a necessary evil in the grand scheme of things, especially health insurance, because hospitals and insurance companies use shady billing practises and have a lot of red tape. So just bite the bullet and get health insurance. On the bright side, it's the one type of insurance you'll probably use at some point in your life.
Getting health insurance is hard because getting health insurance is hard (no this is not a typo). There are so many health plans and providers that it's amazing that anyone can get insurance at all. And if you think it's hard to buy health insurance on your own, you should see what some people who get it through their jobs have to go through. When it came to getting coverage at work, it used to be easy. All employees had to do was choose how many people in their family would be covered and sign on a line. Human resources took care of the rest. No longer though.
Consumers and workers who want insurance now have a choice of what to get. Insurance companies brag about their options and how they're better than the competition, but for the average consumer, it's just a big headache because they have to spend so much time sorting through guides and reading confusing text that only makes sense to the lawyers who wrote it.
Basically, these options let you pick a deductible and a premium, which determines how much coverage you get. The better your coverage is and the less you have to pay out of pocket, the more your monthly premium costs. If you choose a plan with a low premium and a low deductible, this is not true.
But it wouldn't be fair to feel too sorry for employees trying to choose the right health insurance at work. After all, they can always ask for help from their company's human resources department. What about people who work for themselves or who don't get health insurance through their jobs?
The Internet is the best place to look for health insurance and learn more about it. Find a company that interests you and give them a call. Ask a representative to send you a package of information. When you get it, call back and ask someone to explain anything you don't understand. Make sure to ask how much your deductible will be and how much your monthly premium will be.
If they are a good health insurance company then they will be more than happy to take the time to answer your questions, and will probably even be willing to work with your budget to help you find the best possible coverage. It will take some time to find the right health insurance, but it could be well worth it if you or a loved one needs it.
